⁵Q Rewards® points are earned on Eligible Transactions. Eligible Transaction is defined in the Q Rewards® Terms and Conditions and means any purchase excluding (but not limited to) cash advances, balance transfers, special promotions, BPAY payments, government related transactions and all other transactions set out within the definition. All Q Rewards® points are subject to the BOQ Q Rewards® Terms and Conditions. Q Rewards® Points never expire while the card remains open and is not in arrears.

20Complimentary Insurance covers: AWP Australia Pty Ltd ABN 52 097 227 177 AFSL 245 631 (trading as Allianz Global Assistance) under a binder from the insurer, Allianz Australia Insurance Limited ABN 15 000 122 850 AFSL 234708 has issued an insurance group policy to Citigroup Pty Limited ABN 88 004 325 080 AFSL and Australian credit licence 238098 (Citi) which allows eligible Citi account holders and cardholders to claim under it as third party beneficiaries. Any advice on insurance is general advice only and not based on any consideration of your objectives, financial situation or means. The terms, conditions, limits and exclusions of the group policy are set out in the Description of Insurance Cover Terms and Conditions available at http://www.boq.com.au/credit-cards.htm which may be amended from time to time. Citi does not guarantee this insurance.

¹⁴You will earn 1,000 bonus Q Rewards® Points when you spend $1,000 or more on Eligible Transactions every month for the first 12 months from card approval Eligible Transactions within 90 days from the card approval date. Eligible Transaction is defined in the Q Rewards® Terms and Conditions and means any purchase excluding (but not limited to) cash advances, balance transfers, special promotions, BPAY payments, government related transactions and all other transactions set out within the definition. Please note that if have a balance transfer, you will be charged interest on any spend that you make. All Q Rewards® points are subject to the BOQ Q Rewards® Terms and Conditions. Q Rewards® Points never expire while the card remains open and is not in arrears. The bonus Q Rewards® Points will be credited to the Primary Cardholders Account within 6 weeks provided the spend criteria is met in the previous month.

21No annual fee in your first year, and no annual fee ongoing as long as you have spent $12,000 per year on retail purchases in the previous year. Cash Advances, Balance Transfers, Refunds, Chargebacks and Special Promotions do not contribute to the spend threshold. The first year begins from card approval. Subsequent years begin from the anniversary date of card approval. If you do not spend $12,000 in the previous year on retail purchases, you will be charged the standard annual fee, currently $129.

¹⁸To be eligible for the balance transfer offer you need to apply for the BOQ Low Rate Visa card by 31 March 2019. Your total balance transfers may not exceed 80% of your credit limit. The 0% p.a. interest rate applies to balances transferred with this offer, for a period of 14 months. The 14 month promotional period commences once the balance transfer is processed. At the end of the balance transfer period, the interest rate on any outstanding transferred balance and balance transfer fee will revert to the variable Annual Percentage Rate for Cash Advances, 21.49% p.a. Please note you are not entitled to any interest free days whilst you have a balance transfer. This means that all spend will be charged interest at the applicable annual percentage rate. Balance transfers from other Citi-issued credit facilities are excluded.

¹6To be eligible for the balance transfer offer you need to apply for the BOQ Blue Visa card by 31 March 2019. Your total balance transfers may not exceed 80% of your credit limit. The 0% p.a. interest rate applies to balances transferred with this offer, for a period of 6 months. The 6 month promotional period commences once the balance transfer is processed. At the end of the balance transfer period, the interest rate on any outstanding transferred balance will revert to the variable Annual Percentage Rate for Cash Advances, currently 21.74% p.a. Please note you are not entitled to any interest free days whilst you have a balance transfer. This means that all spend will be charged interest at the applicable annual percentage rate. Balance Transfer from other Citi-issued credit facilities are excluded.

19 Q Rewards® points are earned on Eligible Transactions. Eligible Transaction is defined in the Q Rewards® Terms and Conditions and means any purchase excluding (but not limited to) cash advances, balance transfers, special promotions, BPAY payments, government related transactions and all other transactions set out within the definition. All Q Rewards® points are subject to the BOQ Q Rewards® Terms and Conditions. Q Rewards® Points never expire while the card remains open and is not in arrears.

22$120 cash back is available for new approved Bank of Queensland Blue Visa credit card customers who apply by 31 March 2019 and spend $500 per month on retail purchases for the first 3 months from card approval. Cash Advances, Balance Transfers, Refunds, Chargebacks and Special Promotions do not contribute to the spend threshold. The cash back will be credited to the primary card holder’s account up to 10 weeks after the end of the 3 month qualifying period. The cash back credit will be applied once per account and does not contribute to your monthly minimum repayment. This offer is subject to change without notice at the discretion of Bank of Queensland, is non-transferrable and can’t be used in conjunction with any other promotions or offers. Please note that if have a balance transfer, you will be charged interest on any spend that you make. The Netflix comparison is valid as of 13/9/18 (Basic package: $9.99 per month).

Fees and charges are payable. Citigroup's standard credit assessment criteria apply. Terms and conditions apply and are available upon request. Offers only to approved new BOQ credit card customers. Introductory offer cannot be used in conjunction with any other credit card offer, including when you take out a credit card as part of a home loan package. Offer expires 31 March 2019, offer may be extended.

##The interest free period applies when you pay your full closing balance from your last statement of account by the payment due date (excluding any fixed payment option balance which isn’t due for payment by that payment due date). No interest free period is available on cash advances or balance transfers. Whilst you have a balance transfer you will be charged interest on your daily unpaid balance.

++Take Flight is a service which enables you to redeem Rewards points for Travel Vouchers and other nominated Travel Rewards offered by Q Rewards® from time to time

12To be eligible for the balance transfer offer you need to apply for the BOQ Platinum Visa card by 31 March 2019. Your total balance transfers may not exceed 80% of your credit limit. The 0% p.a. interest rate applies to balances transferred with this offer, for a period of 12 months. The 12 month promotional period commences once the balance transfer is processed. At the end of the balance transfer period, the interest rate on any outstanding transferred balance and balance transfer fee will revert to the variable Annual Percentage Rate for Cash Advances, currently 21.74% p.a. Please note you are not entitled to any interest free days whilst you have a balance transfer. This means that all spend will be charged interest at the applicable annual percentage rate. Balance Transfer from other Citi-issued credit facilities are excluded.

Citigroup Pty Ltd ABN 88 004 325 080 AFSL 238098 Australian Credit Licence No. 238098 (Citigroup) is the credit provider and issuer of BOQ Credit Cards (Credit Cards). Fees and charges are payable. Full terms and conditions are available at any Bank of Queensland branch. Citigroup’s standard credit assessment criteria apply. This website contains general advice. This advice has been prepared without taking account of your objectives, financial situation or needs. You should consider the appropriateness of any advice before acting on it. You should obtain and consider the relevant Product Disclosure Statement, terms and conditions, Financial Services Guide and Guide to Fees and Charges before making any decision about whether to acquire or continue to hold the product. You can obtain a copy of those documents from any Bank of Queensland branch or by contacting us.

Bank of Queensland Limited ABN 32 009 656 740 (BOQ) distributes the Credit Cards under an agreement with Citigroup. BOQ does not and will not guarantee or otherwise support Citigroup's obligations under the contracts or agreements connected with the Credit Cards. The words "we", "us" or "our" will generally read as a reference to Citigroup, but if the context requires these words to refer BOQ, they will refer to BOQ undertaking relevant actions or making relevant decisions for or on behalf of Citigroup.